For broker and enroller education only. Not for customer distribution. Exit Product Education STD Portfolio Overview STD Product Education Portfolio Overview

For broker and enroller education only. Not for customer distribution. Exit Product Education STD Portfolio Overview Traditional Simply Unum SM Benefit Advantage Select RedPar Flex Self-insured Statutory plans Group STD Portfolio Snapshot – Unum’s STD Portfolio Unum markets a variety of group STD products to give employers a broad range of coverage and funding options. Each product has characteristics and features that have been designed to appeal to certain markets or to employers with specific needs while maintaining adequate risk control for Unum.

For broker and enroller education only. Not for customer distribution. Exit Product Education STD Portfolio Overview Traditional Simply Unum Benefit Advantage Select RedPar Flex Self-insured Statutory plans Group STD Portfolio Traditional STD refers to the most common type of insured coverage. The employer selects the plan design from a broad range of choices. Typically, all employees will be eligible for the same coverage although employers have some flexibility to offer different levels of coverage to different classes of employees. Traditional STD is most often paid for in full by the employer. Note: All STD products are a “twist” on Traditional STD.

For broker and enroller education only. Not for customer distribution. Exit Product Education STD Portfolio Overview Traditional Simply Unum SM Benefit Advantage Select RedPar Flex Self-insured Statutory plans Group STD Portfolio Simply Unum STD is part of our single platform portfolio that includes a comprehensive list of group and voluntary benefits. The Simply Unum plan design choices available to the employer are limited to streamline the offering, but the product still includes many of the most popular features and services.

For broker and enroller education only. Not for customer distribution. Exit Product Education STD Portfolio Overview Traditional Simply Unum Benefit Advantage Select RedPar Flex Self-insured Statutory plans Group STD Portfolio Benefit Advantage is available to small employer groups (2-9 lives). Plan design choices for the employer are limited for simplicity but to also help minimize risk. No exceptions to the plan design options available are permitted.

For broker and enroller education only. Not for customer distribution. Exit Product Education STD Portfolio Overview Traditional Simply Unum Benefit Advantage Select RedPar Flex Self-insured Statutory plans Group STD Portfolio Select STD is a voluntary product that provides unique flexibility for both employers and employees. Employers have greater flexibility in funding options. Employees have an enhanced level of choice in plan design.

For broker and enroller education only. Not for customer distribution. Exit Product Education STD Portfolio Overview Traditional Simply Unum Benefit Advantage Select RedPar Flex Self-insured Statutory plans Group STD Portfolio RedPar STD is Traditional STD that’s paid for by the employees, with reduced participation rules. When Traditional STD is paid for by employees, 75% participation is required. RedPar only requires the greater of 25% or 15 lives. The RedPar plan design has been modified to offset for the additional risk associated with reduced participation. RedPar differs from Select in that employees do not have any choice in the plan design under RedPar.

For broker and enroller education only. Not for customer distribution. Exit Product Education STD Portfolio Overview Traditional Simply Unum Benefit Advantage Select RedPar Flex Self-insured Statutory plans Group STD Portfolio Flex STD provides a base amount of coverage (funded by the employer) and one or two buy- up choices (paid for by the employee). The employer deter-mines the base plan coverage and the plan design for the buy-up(s). The employees' only choice is whether or not to purchase the additional coverage. Flex contracts include several unique provisions because it was originally designed to comply with Section 125 Cafeteria Plan rules. Section 125 – section of the IRS code that allows benefits to be paid for with pre-tax dollars inside a Cafeteria Plan.

For broker and enroller education only. Not for customer distribution. Exit Product Education STD Portfolio Overview Traditional Simply Unum Benefit Advantage Select RedPar Flex Self-insured Statutory plans Group STD Portfolio Self-insured STD (“SI” STD) is available to qualified customers who choose to self-insure their employee’s short term disability coverage. Customers design the plan (using our standard insured provisions and features) but retain the risk for the coverage. Claims administration and disability risk management services are outsourced to us.

For broker and enroller education only. Not for customer distribution. Exit Product Education STD Portfolio Overview Traditional Simply Unum Benefit Advantage Select RedPar Flex Self-insured Statutory plans Group STD Portfolio Statutory STD can be found in six jurisdictions where law requires employers to provide weekly benefits for employees who are disabled from non-occupational injuries or illnesses. These jurisdictions are California, New Jersey, New York, Hawaii, Rhode Island and Puerto Rico. Unum will write the fully insured statutory coverage in New York, New Jersey and Hawaii. We also market group STD in those states to supplement the weekly benefits required by law.

For broker and enroller education only. Not for customer distribution. Exit Product Education STD Portfolio Overview Snapshot There are many different provisions and options available across Unum’s Group STD portfolio. Just imagine how difficult it would be to try to pull these together into an appropriate plan design for each new client! Having pre-defined products simplifies the sales process, and provides for consistent administration and claims paying processes. Select Traditional Benefit Advantage Flex Self- insured RedPar Simply Unum Statutory plans Group STD Portfolio

For broker and enroller education only. Not for customer distribution. Exit Product Education STD Portfolio Overview Unum also offers an array of services designed to enhance our group STD offering. Services are often considered to be “value added” because they can help differentiate our product from the competition at very little to no extra cost. Some services are provided in-house by Unum employees. Others, are provided through partnerships with external vendors that deliver services to our customers. Unum’s staff are trained and ready: –Special support and services to help individuals re- enter the workforce after a period of disability –Employees can submit claims over the phone (employer information provided electronically) –Employers can outsource the complex administration of family and medical leaves to Unum –Unum can pay the employer’s portion of FICA taxes to the Federal Government and bill the employer monthly Provided in-house Rehabilitation and Return to Work Program Assistance FMLA/Leave Mgmt Services Full telephonic Claims submission* FICA Match Services are designed to help our insureds (and policyholders) in a number of ways. –emergency assistance to insured employees and their dependents when traveling more than 100 miles from home Specific to the employer: –Claims data and analysis (reports and tools) Provided by external vendors World-wide Emergency Travel Assistance Comparative Reporting & Analysis *Available with 2,000+ insured lives Snapshot

For broker and enroller education only. Not for customer distribution. Exit Product Education STD Portfolio Overview And, with larger companies, plan design becomes less about a specific "product" and more about an integrated solution that addresses corporate needs for cost control, risk management and productivity. With extensive experience in disability benefit plans, related coverages, and absence management expertise, Unum is uniquely qualified to help meet specific corporate needs: Fully insured STD benefit plan Self-insured administration and claims services Integrated FMLA/Leave Mgmt Services Full telephonic support FICA match Online Plan Administration Services Snapshot

For broker and enroller education only. Not for customer distribution. Exit Product Education STD Portfolio Overview When it comes to short term disability, Unum can meet the needs for employers with as few as 2 employees to 10,000 or more through a broad array of fully and self-insured STD benefit plans and services. © 2010 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability. Underwritten by: Unum Life Insurance Company of America, 2211 Congress Street, Portland, ME In New York, underwritten by: First Unum Life Insurance Company, 666 Third Avenue, Suite 301, New York, NY SD-1030 (04/10) Snapshot